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This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

The Law Offices of Ryan F. Beach PLLC


Creative and Compassionate Solutions.





Call our office today at 616.389.0629 to see what options are available for obtaining relief from your income tax liabilities

Chapter 13 allows an individual to reorganize income tax debt regardless of how old it is.  A Chapter 13 may be a good option for you if the tax is less than three years old, considered non-dischargeable, or is secured by a tax lien.


Treating income tax debt will allow for repayment over a three to five year period of time.  While your Chapter 13 case is active you are protected from collection efforts by the IRS and state taxing authority. 

Chapter 13 - "Reorganization Plan"

Generally income tax debt that was incurred over three years ago can be eliminated, or "discharged", by a Chapter 7. However, certain factors such as when the tax return was filed can create an exception to discharge.  Our office will be to meet with you and determine if Chapter 7 is the right course of action to resolve your tax issues.

Chapter 7 - "Fresh Start"

Whether you owe debt to the IRS or State of Michigan, you have options for resolving tax debt and avoiding a tax levy. 


Your ability to eliminate, or "discharge", income tax debt rests on a variety of factors.  Typically, income tax debt incurred more than three years ago can be treated as a unsecured debt in Chapter 7 or Chapter 13.  There are several factors which can make older tax debt non-dischargeable. Our office will be able to review your situation and determine what course of action is best for resolving your income tax issues.

Resolving IRS and State Income Tax Debt

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